Call reports 2004
BRAVERA BANK — 2004
What BRAVERA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 212,877,000 | 216,429,000 | 218,683,000 | 221,456,000 |
| Total loans | 139,169,000 | 149,772,000 | 150,869,000 | 153,153,000 |
| Allowance for loan losses | 1,449,000 | 1,570,000 | 1,627,000 | 1,712,000 |
| Securities available for sale | 43,532,000 | 42,467,000 | 41,312,000 | 44,001,000 |
| Securities held to maturity | 1,006,000 | 1,004,000 | 677,000 | 673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,199,000 | 176,193,000 | 182,014,000 | 184,527,000 |
| Interest-bearing deposits | 153,349,000 | 153,670,000 | 157,285,000 | 160,481,000 |
| Noninterest-bearing deposits | 20,850,000 | 22,523,000 | 24,730,000 | 24,046,000 |
| Equity capital | 25,506,000 | 24,567,000 | 25,218,000 | 25,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,617,000 | 5,366,000 | 8,136,000 | 10,988,000 |
| Interest expense | 620,000 | 1,232,000 | 1,894,000 | 2,624,000 |
| Net interest income | 1,997,000 | 4,134,000 | 6,242,000 | 8,364,000 |
| Noninterest income | 374,000 | 772,000 | 1,097,000 | 1,893,000 |
| Noninterest expense | 1,666,000 | 3,303,000 | 4,958,000 | 7,071,000 |
| Provision for loan losses | 12,000 | 137,000 | 212,000 | 313,000 |
| Pretax income | 693,000 | 1,466,000 | 2,169,000 | 2,873,000 |
| Income tax | 270,000 | 550,000 | 788,000 | 958,000 |
| Net income | 423,000 | 916,000 | 1,381,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,980,000 | 16,944,000 | 17,217,000 | 17,348,000 |
| Total capital | 18,429,000 | 18,514,000 | 18,844,000 | 19,061,000 |
| Risk-weighted assets | 162,534,000 | 172,583,000 | 175,254,000 | 176,785,000 |